Personal loans in Marie, AR

Marie is a small community in Arkansas, with an estimated 100 residents, and every licensed lender here follows the same state rulebook. About 100 people live in Marie, placing it 448th of 500 Census places in Arkansas.

By the Personalloaner Editorial Team · Last updated 2026-09-16

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

A larger market lies at Wilson, AR about 4 miles away. Population in Marie dropped about 5.7% over the three years from 2020 to 2023. Rate ceilings, licensing requirements and product limits for Marie are all set at the Arkansas level. Rate-shopping from Marie costs nothing at pre-qualification, where a soft pull leaves your credit file alone.

What the Census records for Marie

Only a few things actually differ by place — population, area, location, and the Arkansas rules a lender must follow — and they are below.

Inside a Marie personal loan

In Marie, a small community of about 100, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. The rate you see advertised is a range, not a promise, until a lender reviews your file in Marie. Shortening the term on a Marie loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

How lenders reach Marie

Marie is a moderately settled community of about 100 people, with 92 larger places inside a 50-mile radius. A Arkansas licence lets a lender serve Marie without a local office, so branch density does not change what its 100 residents are offered. For a larger market, the closest option is Wilson, AR about 4 miles away.

What Arkansas law requires in Marie

Below are the Arkansas rules that apply to a loan made in Marie, each with the regulator that issued it.

RuleDetailSource
State lending regulatorArkansas State Bank Department
Source says: "The Department is charged with regulating state-chartered commercial banks with main offices in Arkansas".
Arkansas State Bank Department
as of 2026-09-16
Maximum legal interest rate (usury cap)17% per annum for loans not made by or to governmental units or by federally insured depository institutions (Amendment 89, effective January 1, 2011)
Source says: "shall not exceed seventeen percent (17%) per annum".
Arkansas Legislature — Arkansas Constitution, Amendment 89, § 3 (proposed by H.J.R. 1004 of 2009)
as of 2026-09-16
Payday lending statusNot permitted — all storefront payday lending eliminated; the Attorney General has worked to eliminate all forms of payday lending since 2008
Source says: "the Attorney General's office has worked to eliminate all forms of payday lending in Arkansas"; "all storefront payday loan operations in Arkansas have been shut down".
Arkansas Attorney General — Consumer Protection Division
as of 2026-09-16

The Marie borrowing checklist

These steps shape the offer you get in Marie, a place of about 100 people:

  1. Get your credit reports, dispute what is wrong, and only then start shopping.
  2. Run the numbers on the personal loan calculator so you know the payment before you apply.
  3. Gather at least three pre-qualified offers and line up the APR, not the headline rate.
  4. Look the lender up in the Arkansas regulator's licence records before you sign.
  5. Weigh a shorter term's higher payment against the interest it saves.
  6. Borrow only what the purpose requires, not the maximum you are offered.
  7. Decide the purpose and how you will repay it before approaching any lender.

In Marie as elsewhere in Arkansas, the written terms — not the advertisement — are what count for its 100 residents.

The geography behind Marie

Marie covers about 0.1 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. That land carries about 680 people per square mile. For the state's biggest city, Little Rock, the distance is roughly 142 miles. Marie has 92 larger places within a 50-mile radius. Within the same 50 miles lie 8 smaller Census places.

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Marie if my credit is poor?
Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Marie is the same as anywhere in Arkansas.
What loan size can I expect in Marie?
Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.
Do I have to pledge anything to borrow in Marie?
For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.
Does comparing loans in Marie cost me credit score points?
Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

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